Debt collector hassle

FTW

bluepeter14 wrote: »

Thanks for your replys.

I understand they will go for whoever is easiest but as I'm still paying off her other debts I am not in a position to pay out anymore that is why I need to prove to them I didn't run up this debt.

The debt collectors must have her details because when I offered them they declined. Just wonder why theyre chasing me???

Even though we split amicably I believe she's doing this out of spite???
I just don't understand why?????

If you're paying them and she isn't, I'd stop - immediately. Tell them to go after her.

bluepeter14_2

I'm not paying this company a penny and I've already told them to chase her.

Do I ignore them now or send them the 'prove it' letter??

bluepeter14_2

How would I 'officially' tell them to chase her ????

Thegirl

bluepeter14 wrote: »

I put in the removal request in April 2006 .
I've never had anything to say it was never received.
I spoke to the debt collector and told them that my name had been removed from the account, they said they would contact the bank and get Back to me. I received their letter on Friday which says they believe I am as well as my exgirlfriend accountable. They haven't provided any evidence to show why just a copy of the initial document with my name being added to her account??????

So they have shown your name being added to the account.

bluepeter14 wrote: »

I'm not paying this company a penny and I've already told them to chase her.

Do I ignore them now or send them the 'prove it' letter??

They can prove it, they have already have when they provided you with a copy of the form asking for your name to be added to the account.

bluepeter14 wrote: »

How would I 'officially' tell them to chase her ????

If you do not have any evidence to show that you applied to have your name removed from the account, and I think from your posts you do not have anything to prove this, then whilst you can advise them that you do not believe you are liable for the debt, legally you are. They are debt collectors, they don't care who accrued the debt, they just want it paid.
It's a crap situation to be in paying basically for someone else's spending, but, since you have £15k in equity to be split between you and you ex partner that this debt can be taken out of, you are at least in a better position than you could otherwise be.
That is in no way to say that this is fair or right, but at least you have a solution.

bluepeter14_2

It is a crap situation your right.

I was chased by the debt collectors when she defaulted on the carloan and credit card and I'm still paying them and will be for the forseeable as she just ignored them.

She won't agree to the outstanding money from the house clearing these debts so can't see her agreeing to this 'new' one ????????

DS4215

As they are "joint" debts and the house was in "joint names" then how does she have any choice about whether the equity pays off the debts first? - Surely you settle the outstanding and then split whatever is left over?

bluepeter14_2

Exactly . Even her legal rep has told her that but we're not dealing with a reasonable person here. If I'd ever done anything to deserve this i would hold my hands up and say ok I deserve that but it's been completely the opposite. She had next to nothing when I met her. Gave her everything and 6 years down the line her negligence is still coming back to haunt me.

This is why I won't be taking this one on.

bluepeter14_2

I would rather sort things verbally face to face but she won't even do that!!!!!!!!!

bluepeter14_2

I'm seriously thinking about telling her I've been contacted by these people, they want to know where she is and that I'm going to tell them unless she sorts this out about the money left over from the house and they can sort it out with her???????

That's how frustrated I am right now!!!!!!!!

barbiedoll

Tell her that you are going to stop paying the debts and that you will BOTH be taken to court for non-payment. Tell her that you will be asking for the creditors to put a charge on the house so that when it is sold, the debts will be paid from the equity before any money is released to either of you.

She won't be able to challenge this unless she makes an arrangement to pay, (which sounds unlikely) and this way, you will both pay for the joint debts.